Rates, state availability, rider terms, and contract language must be confirmed with a licensed financial advisor or insurance professional before purchase. Guarantees are backed by the issuing insurer.
Model this product
See what Farmers Harvest 10 would do for you
Set your numbers and switch between growth strategies and liquidity scenarios. Negative index performance does not produce a negative index credit. Fees, withdrawals and surrender charges can reduce contract value.
Product analyzer
Illustrative — live CANNEX rates as of October 2, 2026; not a projection or guarantee.
Crediting strategy
Compare against
$337,333
Gross crediting illustration at age 80 (Farmers Harvest)
Excludes the 0.95% current Enhanced Premium Bonus Rider charge. This is not a net contract value.
18%
Premium bonus offered
Gross crediting illustration for each line; excludes the 0.95% current Enhanced Premium Bonus Rider charge.
S&P 500 Index — 7.5% Cap (Enhanced Participation Rate · Annual)
✦
How crediting works: the cap limits positive index returns; a down index year has 0% index credit before rider charges. This illustration deducts no rider charge and is not a net contract value. A cap strategy tracks the index within its terms. What is a cap vs participation? →
Assumptions: illustrative — applies Farmers Harvest's published cap rate (7.5% on S&P 500 Index) to a standard benchmark hypothetical index path (~5.4%/yr average, including down years) with a 0% floor over 20 years. Gross crediting only: this illustration excludes the 0.95% current Enhanced Premium Bonus Rider charge reported in the source. The supplied charge data does not establish a deduction frequency or basis. This charge is not deducted, and no net contract value is shown. Growth starts from a bonus-adjusted illustrative account value: $100,000 premium + $18,000 premium bonus (18%) = $118,000. Bonus vesting and withdrawal treatment follow the contract. Not a projection, quote, or guarantee. Live CANNEX rates as of October 2, 2026.
Free Comparison Report
Get a Farmers Harvest 10 rate report
See how Farmers Harvest 10 compares for your age, state, premium, and income goals alongside other Farmers Life fixed indexed annuity options.
Carries an upfront premium bonus credited to the contract at issue, lifting the starting account value before the first crediting period.
Ten-year accumulation chassis with a recognizable S&P 500 cap alongside volatility-controlled alternatives — a single contract that lets the buyer split between familiar and smoothed-shows strategies.
Straight accumulation design — no optional income rider, no rider fee, no withdrawal-base mechanics to track.
What to confirm
The premium bonus is paid for over time through reduced caps, participation rates, and the long surrender schedule — read the bonus-vesting and surrender-charge terms before comparing the headline to a no-bonus competitor.
Filed in only a partial state list — confirm Farmers Harvest is available in your jurisdiction before quoting.
Same marketing name is used for both the ten-year filing and a separate seven-year filing — surrender length, premium-bonus presence, and index menu differ; verify which filing matches your contract.
Not ideal for
A buyer who wants the shorter surrender ladder of the seven-year sibling filing, or who needs lifetime-income guarantees from an optional rider.
Free Comparison Report
Get a Farmers Harvest 10 rate report
See how Farmers Harvest 10 compares for your age, state, premium, and income goals alongside other Farmers Life fixed indexed annuity options.
Requested state: TXRate effective Apr 28, 20257-yr surrenderDoes not vary by premium
Cap: 7.5% · 1-yr
S&P 500 Index
Enhanced Participation Rate · Point-to-point
Requested state: TX7-yr surrenderDoes not vary by premium
Cap: 6.5% · 1-yr
S&P 500 Index
Point-to-point · 0% annual strategy fee
Requested state: TXRate effective Apr 28, 20257-yr surrenderDoes not vary by premium
Cap: 6.5% · 1-yr
S&P 500 Index
Point-to-point
Requested state: TX7-yr surrenderDoes not vary by premium
Fixed: 3.75% · 1-yr
Fixed Account
Fixed account · 0% annual strategy fee
Requested state: TXRate effective Apr 28, 20257-yr surrenderDoes not vary by premium
Fixed: 3.75% · 1-yr
Fixed Account
Fixed account
Requested state: TX7-yr surrenderDoes not vary by premium
Fixed: 3.25% · 1-yr
Fixed Account
Fixed account · 0% annual strategy fee
Requested state: TXRate effective Apr 28, 202510-yr surrenderDoes not vary by premium
Fixed: 3.25% · 1-yr
Fixed Account
Fixed account
Requested state: TX10-yr surrenderDoes not vary by premium
Fixed: 3.25% · 1-yr
Fixed Account
Fixed account
Requested state: TX10-yr surrenderDoes not vary by premium
Other contract riders and charges
Enhanced Premium Bonus Rider
Published rider charge: 0.95% (current). This charge is separate from strategy crediting rates. Confirm charge frequency and basis in the carrier contract.
Accumulation profile
Accumulation-focused contract
The CANNEX information identifies this product as tax-deferred accumulation. Compare cap, participation rate, fees, liquidity, and surrender terms; use a separate payout-focused contract when guaranteed payout mechanics are required.
Common questions about Farmers Harvest 10
● Can I lose money in Farmers Harvest 10?
A negative index return by itself does not reduce the contract's account value: Farmers Harvest 10 credits 0% — the floor — for that indexed period. The account value can still decrease from published strategy fees, withdrawals, surrender charges, other contract-specific deductions. In years with no credited interest, those deductions can reduce the account value. Up to 5% of your value can be withdrawn each year without a charge; withdrawals above the penalty-free amount during the surrender period can incur a surrender charge.
● When can I access my money without a surrender charge?
Up to 5% of your account value each year is penalty-free. The scheduled surrender charges run 10 years; after that the surrender-charge schedule ends. Bonus vesting, market value adjustments when applicable, and other contract rules can still affect the amount available. The Liquidity tab of the analyzer shows the year-by-year surrender charge.
● How do Farmers Harvest 10's crediting strategies compare?
Use "Compare against" in the analyzer to overlay another available Farmers Harvest 10 strategy on the same premium, age, years, and hypothetical index path. The control labels the strategy type, rate, index, and context so caps, participation rates, triggers, spreads, and fixed-account choices are not treated as interchangeable.
Key Features
Free withdrawal
5%/yr
Annual amount that may be available without surrender charges, subject to contract terms.
Surrender waivers
1
RMD waiver
Premium bonus
18%
Bonus terms can vary by state, premium band, and rider election.
Death benefit
Enhanced Death Benefit
Beneficiary value depends on contract terms, withdrawals, and rider elections.
Cap-rate floor
1.00%
Minimum guaranteed cap for cap-based indexed strategies.
Fixed account guarantee
2.65%
Guaranteed minimum interest rate for the fixed account.
Participation-rate floor
10.00%
Minimum guaranteed participation rate for participation-rate indexed strategies.
Annuitization options
Certain period, Single life
Published payout options from the normalized contract facts.
Fund types
Non-qualified, Qualified
Availability can vary by state and product terms.
Surrender schedule
Yr 1
9%
Yr 2
8%
Yr 3
7%
Yr 4
6%
Yr 5
5%
Yr 6
4%
Yr 7
3%
Yr 8
2.5%
Yr 9
1.5%
Yr 10
0.9%
After
0%
RMD waiver
Documents
product guide
FLIC-HV_AtAGlance_082123-2.pdf
Confidence: highReviewed Apr 7, 2026
Direct link not published — request the document from the carrier.
Carrier Ratings
AM BestB++
Contract notes from product data
Crediting design
How the interest-crediting choices are framed
Farmers Harvest currently shows 37 distinct indexed or fixed crediting choices across 54 displayed rate entries, including S&P 500 Index, with 15 volatility-controlled index options grouped separately. These choices matter because caps, participation rates, fixed accounts, spreads, renewal terms, and fee-bearing strategy variants are different mechanics and should not be ranked as one simple rate list.
Why access rules deserve as much attention as rates
A fixed indexed annuity can preserve more control than an income-only contract, but access is still governed by the surrender schedule, free-withdrawal terms, and waiver language. Those details are where many product comparisons become more meaningful than a simple rate list.
5%/yr free withdrawal
10 surrender years
RMD waiver
Verification note
Use carrier materials as term evidence, then confirm the current version
Carrier materials such as FLIC-HV_AtAGlance_082123-2.pdf help explain the contract language behind the data on this page; the latest document activity we see is Apr 8, 2026. For the current brochure, rate sheet, or specimen contract, confirm the state-specific version with the carrier or a licensed financial professional.
Rates and rider terms can vary by state and issue age
Carrier guarantees depend on claims-paying ability
Current contract forms should be confirmed before purchase
Free Comparison Report
Get a Farmers Harvest 10 rate report
See how Farmers Harvest 10 compares for your age, state, premium, and income goals alongside other Farmers Life fixed indexed annuity options.
Cite this page for its methodology or interpretation. Current figures may refresh, so this canonical page URL is not a frozen data citation. To quote a market statistic, use the citation showing its observed as-of date and immutable JSON verification URL published by the Annuity Rate Statistics hub. Bulk product-level CANNEX records are not licensed for redistribution.